Hand 1: I voted expert. Hand 2: ♥Q does not drop, your last step is ♠ loser ruffed. Win ♦ lead, ♥AK, ♠4 to A, minor back to hand; defend side can win ♥Q anytime, but ♠T can ruff by ♥J. I voted intermediate. Hand 3:You have 6♥, ♠A and ♣A, you need 2 more: 2♣ or 1♣♦ There are 3 routes to make the contract: East holds ♣K - finesse; the one holds ♣KXX/KX/K; mark West has ♣K - ruffing finesse If East holds ♣K, finesse Q, A, ruff, ♥A, ruff with high, clear trump and ♣T. If the one holds ♣KXX, ♣A, ♣ ruff, ♥A, ruff ♣, clear trump and ♣QT. (edit after Stephen post) ruffing finesse West ♣K, clear trump, ♣T discard 1♠, exit ♦ and ♦Q the 10th trick. No matter which route, tackle ♣ before trump(entry for ruffing/cash ♣). ** I voted advanced. **: What about clear trump after finesse ♣K? East can duck, and you have no entry to cash ♣.